Research Publications
Trends in Homeowners Insurance Claims, 2019 Edition
This report documents homeowners insurance claim frequency, severity, and loss cost trends from 1997 to 2018. Special emphasis is given to the role of catastrophe-related claims. Countrywide and state findings are presented.
Trends in Auto Injury Claims, 2019 Edition
This updated study finds that auto injury claim severity pushes insurance costs higher.
Auto Insurance Affordability: Cost Drivers in Florida
The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.
Auto Insurance Affordability: Cost Drivers in Louisiana
The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.
Autonomous Vehicles and Transportation Network Companies: Public Attitudes and Opinions
This survey report explores the opinions about autonomous vehicles and transportation network companies.
Third-Party Bad Faith in Florida's Automobile Insurance System, 2018 Update
A report updating findings on the impact of Florida’s third-party bad-faith legal environment on BI liability auto insurance claim trends.
Digitizing the Auto Insurance Customer Relationship
This survey report explores the degree to which auto insurance customers interact with their insurer using digital methods and their preferences for using digital methods in the future.
Countrywide Patterns in Auto Injury Claims
This closed claim study is based on a sample of more than 80,000 auto injury claims paid in 2017 and examines trends in claim patterns, including injuries, medical treatment, claimed losses and payments, the claim settlement process, and attorney involvement. The report compares 2017 data to results from similar studies conducted in 2012 and earlier.
Smart Home Technology: Many Express Interest, But Cost and Privacy Concerns Slow Adoption
Smart Home Technology: Many Express Interest, but Cost and Privacy Concerns Slow Adoption, This study finds that nearly half of all homeowners and renters countrywide would consider allowing their insurance company to receive information about the status of their home through a smart home device or system. The study also identified attitudes and concerns that discourage some from participating in programs involving insurers.